About Us

Betterment Inc. developed by Financial Literacy Group LLC, is a collaboration of solution specialists, software developers, systems integrators, debt counselors, certified financial educators, experienced independent financial advisors, Insurance Agents and incentive tax Recovery experts, who are dedicated to the wellbeing of you and  your employees’.

Unlike many financial wellness companies, we don’t offer any loan restructuring schemes, we are consumer advocates. This means no loan modification, no refinancing, no debt consolidation, no debt special settlement. Our debt solution is strategic payoff and proprietary debt reduction techniques. The algorithm based technology pinpoints exactly where a person is financially. The Go Debt Free SaaS calculates a mathematical strategy that substantially shortens debt payoff times and it eliminates interest on all kinds of debt.

The technology Combined with a Special liquid base, uncapped index Universal life insurance Policy Similar to a (BOLI) Bank Owned Life Insurance policy and the changes in the IRS codes by Congress during the cares Act 2020 allows both employers and employees to Bank Like Banks.

As a result our hybrid financial wellness solutions educate, inform, engage, and equip each employee with the knowledge, resources and tools they need to take control of their financial future, develop additional income, build generational and retire with Dignity.


Office: (323) 419-1600
[email protected]


2029 Olympic Blvd., Suite 115
Santa Monica, CA 90404